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Bank of Lecompte

Lecompte, LA · Cert 9318

FDIC

Q3 2003

$38.9MAssets
$19.3MLoans
$33.0MDeposits
$5.6MEquity
Deposit mix
69%Interest-bearing $22.6M31%Noninterest $10.4MQ3 2002Q3 2003

NIM

6.62%Q3 ’015.14%Q3 ’024.65%Q3 ’03-12%+0%

Non-interest income vs. expense

3.95%Q3 ’014.06%Q3 ’024.16%Q3 ’03+2%+6%

Executive Summary

  • Earnings: ROA of 0.70%, up 21 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 58.40% of deposits as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

0.70%+21 bps YoY

Net Interest Margin (YTD, annualized)

4.03%0 bps YoY

Efficiency Ratio (YTD, annualized)

85.40%+335 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets0.49%0.55%0.80%0.89%0.70%+21 bps
Return on Equity3.19%3.62%5.65%6.44%5.01%+182 bps
Net Interest Margin4.03%4.10%4.01%3.78%4.03%0 bps
Efficiency Ratio82.05%82.89%81.97%80.78%85.40%+335 bps
Non-Interest Burden3.15%3.25%3.14%2.90%3.32%+18 bps
Growth
Asset Growth (YoY)2.28%4.66%3.08%7.61%0.26%-202 bps
Loan Growth (YoY)-3.08%-1.59%7.07%12.68%4.81%+788 bps
Deposit Growth (YoY)2.87%7.16%4.61%9.93%1.70%-117 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.11%0.14%0.02%0.09%0.03%-7 bps
Allowance / Loans1.26%1.30%1.25%1.16%1.23%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital30.32%28.30%27.10%27.54%29.20%-111 bps
Equity / Assets15.50%14.42%13.85%13.22%14.43%-107 bps
Liquidity & Funding
Loans / Deposits56.66%54.90%55.34%54.12%58.40%+173 bps
Liquid Assets / Assets6.71%7.07%6.37%7.48%9.41%+270 bps
CRE / Total Capitaln/an/an/an/an/an/an/a